1. My annual income is $400K HKD.
2. No annual fee. I don't know if all CCs allow you to telephone yearly to request them waived.
3. Cash back. I seldom fly or travel to anywhere but Canada, my home, where I already have many CCs. I don't want airline points.
4. I spend just HKD, chiefly on groceries.
I already tried aggregators, but I'm bewildered and hoodwinked by the proclaimed cash-back percentages for too many different categories, compared to Canadian credit cards that have far fewer categories and thus whose cash-back rewards are much easier to understand.
5. Am I correct that I can't say which aggregators I used? Or which hoodwinking Hong Kong CCs I've referring to? I saw someone get banned because they mentioned them.